PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Central Susquehanna Community

Danville, PA · Charter 14180

NCUA · 2 branches

Q2 2026

$37.4MAssets
$18.5MLoans
$32.8MShares
$4.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.81%, up 33 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 12.07%, up 4 bps from a year ago.
  • Funding: loans stand at 56.47% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.81%+33 bps YoY

Net Interest Margin (quarter, annualized)

2.74%-1 bps YoY

Efficiency Ratio (quarter, annualized)

79.08%-394 bps YoY

Net Worth / Assets

12.07%+4 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.40%0.48%0.88%0.81%+33 bps
Return on Equity3.96%3.25%3.95%7.45%6.72%+276 bps
Net Interest Margin2.74%2.80%2.78%2.68%2.74%-1 bps
Efficiency Ratio83.02%86.09%84.00%73.84%79.08%-394 bps
Growth
Asset Growth (YoY)9.85%8.78%8.55%8.20%4.53%-533 bps
Loan Growth (YoY)23.52%19.69%13.69%8.85%6.70%-1,682 bps
Share Growth (YoY)9.73%8.91%9.20%8.62%4.39%-534 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.03%12.20%12.11%11.87%12.07%+4 bps
Net Worth / Assets12.03%12.20%12.11%11.87%12.07%+4 bps
Liquidity & Funding
Loans / Shares55.25%58.95%56.39%55.28%56.47%+122 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps